166 Rose Rd, Schellsburg, PA 15559 Property Records

Bedford County property record for 166 Rose Rd, Schellsburg, PA 15559

Property Summary

Property Type	Single Family Home
Details	1,200 sqft · built 1979
Lot Size	1.4 acres (60,984 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Jan 2020)
Tax Bill	$1,787 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C.08-0.00-084-A`

Property Details

APN / Parcel Number

Primary APN	`C.08-0.00-084-A`
Alternative APN	`220-072233`

Interior

Stories	1 Story
Building Area	1,200 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	60,984 sqft (1.4 acres)
Garage Type	Attached
Shed	1 Shed

Location & Zoning

Street Address	166 ROSE RD
City	SCHELLSBURG
State	PA
Zip	15559-8122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	166 ROSE RD
Jurisdiction	BEDFORD PA
Township / Civil Division	NAPIER
Census Block Group	2
Census Block	2070
Census Tract	960900

Owner

Source: Bedford County records, as of August 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	166 ROSE RD, SCHELLSBURG, PA 15559-8122
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Deed of Trust, Mortgage · FHA Mortgage RUTH RUHL P C
Jan 7, 2020	Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC
Jul 21, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST COMMONWEALTH BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2020 · Amount on Record
Deed Sale	Jan 7, 2020 · Amount on Record
Prior Sale	Mar 31, 2006
Deed Document Number	202065
Deed Book / Page	2020 / 65
Prior Transfer Date	Mar 27, 2006
Prior Transfer Doc	1112/682
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	166 ROSE RD, SCHELLSBURG, PA 15559-8122
Transaction Type	Mortgage
Record Updated	Jun 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 ROSE RD, SCHELLSBURG, PA 15559-8122

Mortgage

Document Number	02022/2957
Date	Jun 6, 2022
Book Page	2022/2957
Instrument	2022-002957

Lender

Name	RUTH RUHL P C
Type	Non-Lending Institution
Address	DALLAS, TX 75251

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	May 1, 2062

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD PA
Recording Date	Jan 7, 2020
Property Address	166 ROSE RD, SCHELLSBURG, PA 15559-8122
Document Number	2020/0065
Book / Page	2020 / 0065
Instrument Date	Dec 17, 2019
Instrument	2020-000065
Transaction Type	Transfer
Record Updated	Jul 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	166 ROSE RD, 166, SCHELLSBURG, PA 15559-8122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 ROSE RD, SCHELLSBURG, PA 15559-8122

Mortgage

Document Number	2020000066
Date	Jan 7, 2020
Instrument	2020-000066

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	166 ROSE RD, SCHELLSBURG, PA 15559-8122
Transaction Type	Mortgage
Record Updated	Aug 3, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017-003679
Date	Jul 21, 2017
Instrument	2017-003679

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank
Address	OSTERBURG, PA 16667

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 20, 2032

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Bedford County
County Subdivision	Napier Township
Unified School District	Chestnut Ridge School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,787.00 (+10.65%)	$118,100 (-) Land $26,000 Building $92,100	$118,100 (-) Land $26,000 Building $92,100
2025	$1,615.00 (+1.51%)	$118,100 (-) Land $26,000 Building $92,100	$118,100 (-) Land $26,000 Building $92,100
2023	$1,591.00 Additional exemption filed	$118,100 Land $26,000 Building $92,100
2012			$118,100 Land $26,000 Building $92,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1996–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 2024 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 43% of Pennsylvania
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Crowsnest Broadband Fixed Wireless	940 / 450
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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